What do you recommend people do when facing a lot of collection calls and lots of financial stresss? How should they handle this situation?

There are two ways of handling debt. One is to just live in continuous fear of your creditors and live under stress all the time or the second way would be to do something about it. One of the ways I suggest is if you are qualified is to file a simple chapter 7 bankruptcy or a chapter 13 bankruptcy if you’re not qualified for a chapter 7. And of course there is  differences between the two bankruptcies, and I’ll be able to explain to you more when I meet with you. Chapter 7 for example is a very simple process from start to finish within 4 months it’s all over with. And then you can move on and rebuild your credit and do all the things that you have always wanted to do in terms of assets and finances. Chapter 13 is a streamlined but a little bit of lengthy procedure, however, as soon as you file your chapter 13, there will be no more harassment calls, and all collection and garnishments will stop immediately.  All the stress goes away in a moment’s notice. So, you have a choice. What do you want to do? Live in stress and destroy your family, your marriage,  and destroy your peace of mind or do something about it and get rid of those debts.